INTEGRATED FILING — BANKING



General information about company

Scrip code 532814
NSE Symbol INDIANB
MSEI Symbol NOTLISTED
ISIN INE562A01011
Name of bank Indian Bank
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 24-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 24-Jul-2025   12:30:00
End date and time of board meeting 24-Jul-2025   13:05:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Not applicable


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 117378000000 117378000000
Income on investments 39445600000 39445600000
Interest on balances with reserve bank of India and other inter bank funds 3937900000 3937900000
Others 2065600000 2065600000
Total interest earned 162827100000 162827100000
2 Other income 24386000000 24386000000
3 Total income 187213100000 187213100000
Expenses
4 Interest expenses 99238400000 99238400000
5 Operating expenses
(i) Employees cost 26122600000 26122600000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 14149300000 14149300000
Total other operating Expenses 14149300000 14149300000
Total Operating Expenses 40271900000 40271900000
6 Total expenditure excluding provisions and contingencies 139510300000 139510300000
7 Operating profit before provision and contingencies 47702800000 47702800000
8 Provisions other than tax and contingencies 6910000000 6910000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 40792800000 40792800000
11 Provision for Tax 11064600000 11064600000
12 Net profit (loss) from ordinary activities after tax 29728200000 29728200000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 29728200000 29728200000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 29728200000 29728200000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 13469600000 13469600000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 73.84 73.84
(ii) Capital adequacy ratio
CET 1 ratio 15.26 15.26
Additional Tier 1 ratio 0.48 0.48
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 22.07 22.07
Diluted earnings per share before extraordinary items 22.07 22.07
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 22.07 22.07
Diluted earnings per share after extraordinary items 22.07 22.07
(iv) NPA Ratios
Amount of gross non-performing assets 180668800000 180668800000
Amount of net non-performing assets 10355600000 10355600000
% of gross NPAs 3.01 3.01
% of net NPAs 0.18 0.18
Return on assets 1.34 1.34
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) Figures of previous periods have been regrouped/ reclassified wherever considered necessary to conform to current period classification. Please refer to the Notes in the PDF filed with Results on Stock Exchanges


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury Operations 47440800000 47440800000
2 Corporate / Wholesale Banking 59404900000 59404900000
3 Retail Banking 78376900000 78376900000
4 Other banking Operations 1990500000 1990500000
Total Segment Revenue 187213100000 187213100000
Less: Inter segment revenue 0
Income from operations 187213100000 187213100000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury Operations 17181200000 17181200000
2 Corporate / Wholesale Banking 12624800000 12624800000
3 Retail Banking 16289700000 16289700000
4 Other banking Operations 1607100000 1607100000
Total Profit before tax 47702800000 47702800000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 6910000000
Profit before tax 40792800000 40792800000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury Operations 2652882300000 2652882300000
2 Corporate / Wholesale Banking 2716170300000 2716170300000
3 Retail Banking 3534730600000 3534730600000
4 Other banking Operations 0 0
5 Treasury Operations 2652882300000 2652882300000
6 Corporate / Wholesale Banking 2716170300000 2716170300000
7 Retail Banking 3534730600000 3534730600000
8 Other banking Operations 0 0
Total Segment Assets 8903783200000 8903783200000
Un-allocable Assets 51251400000 51251400000
Net Segment Assets 8955034600000 8955034600000
4 Segment Liabilities
Segment Liabilities
1 Treasury Operations 2437589700000 2437589700000
2 Corporate / Wholesale Banking 2495741700000 2495741700000
3 Retail Banking 3247872400000 3247872400000
4 Other banking Operations 0 0
5 Treasury Operations 2437589700000 2437589700000
6 Corporate / Wholesale Banking 2495741700000 2495741700000
7 Retail Banking 3247872400000 3247872400000
8 Other banking Operations 0 0
Total Segment Liabilities 8181203800000 8181203800000
Un-allocable Liabilities 773830800000 773830800000
Net Segment Liabilities 8955034600000 8955034600000
Disclosure of notes on segments 1. Segment Revenue and expenses have been apportioned on the basis of Segment assets, wherever direct allocation is not possible. 2. Figures of the previous period have been regrouped/reclassified wherever considered necessary to conform to current period classification. 3. As per RBI Circular DOR . AUT.REC.12/22.01.001/2022-23 daled April 07, 2022 on 'Establishment of Digital Banking Units (DBUs)', for the purpose of disclosure under Accounting Standard 17 -’Segment reporting',’Digital Banking’ has been identified as a sub-segment under Retail Banking by Reserve Bank of India (RBI).The Bank has 3 DBUs. The ’Digital Banking' segment information disclosed pertains to the said DBUs.